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ASB vs MA

ASB
Associated Banc-Corp
NEUTRAL
Price
$26.44
Market Cap
$4.39B
Sector
Financial Services
AI Confidence
72%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ASB
31.86
MA
30.28
Forward P/E
ASB
8.35
MA
22.05
P/B Ratio
ASB
0.92
MA
57.74
P/S Ratio
ASB
4.0
MA
13.6
EV/EBITDA
ASB
--
MA
22.13

Profitability

Gross Margin
ASB
0.0%
MA
100.0%
Operating Margin
ASB
45.38%
MA
57.73%
Profit Margin
ASB
16.04%
MA
45.65%
ROE
ASB
3.79%
MA
209.91%
ROA
ASB
0.41%
MA
23.72%

Growth

Revenue Growth
ASB
20.0%
MA
17.6%
Earnings Growth
ASB
30.4%
MA
24.2%

Financial Health

Debt/Equity
ASB
--
MA
2.56
Current Ratio
ASB
--
MA
1.03
Quick Ratio
ASB
--
MA
0.68

Dividends

Dividend Yield
ASB
3.49%
MA
0.7%
Payout Ratio
ASB
106.98%
MA
18.4%

AI Verdict

ASB NEUTRAL

ASB's deterministic health score is concerning with a Piotroski F-Score of 4/9, indicating marginal financial stability. While growth metrics are strong—evidenced by 20% YoY revenue growth and 30.4% earnings growth—the elevated P/E of 31.86 and a payout ratio exceeding 100% raise sustainability concerns. The stock trades above both the Graham Number ($23.11) and intrinsic value estimate ($24.48), implying overvaluation relative to defensive and growth-based models. Analysts concur with a 'hold' rating, and insider selling adds caution, though solid earnings beats provide some support.

Strengths
Strong recent earnings growth with 30.4% YoY and 41.7% Q/Q earnings growth
Consistent earnings beat record: 3 out of last 4 quarters, with a 9.3% average surprise
Attractive dividend yield of 3.49%, above sector average
Risks
Piotroski F-Score of 4 indicates weak financial health, particularly in profitability and leverage trends
Dividend payout ratio of 106.98% is unsustainable long-term, threatening dividend cuts
High current P/E of 31.86 vs forward P/E of 8.35 suggests significant growth already priced in
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

ASB vs MA: Head-to-Head Comparison

This page compares Associated Banc-Corp (ASB) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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